TL;DR: If you are replacing Prospa, the closest options are Finantier, NextPay, Mendel. The table below compares 12 alternatives on what they do, stage, size and status.
Every alternative below is compared on what it actually does, not just its category — so you can see which one genuinely replaces Prospa (YC Winter 2021).
Last verified:
The three closest alternatives to Prospa are:
| Alternative | What it does | Stage | Team | Status |
|---|---|---|---|---|
| Finantier | Plaid for Southeast Asia | YC Winter 2021 | 40 | Inactive |
| NextPay | The digital bank for small businesses in the Philippines. | YC Winter 2021 | 25 | Active |
| Mendel | Workflows to empower employees to spend while finance stay in control | YC Winter 2021 | 5 | Active |
| Arcus | Payment-as-a-service that helps any business launch payment solutions | YC Summer 2013 | 100 | Acquired |
| Sandbox Banking | Low-code integration platform for banking | YC Winter 2017 | 33 | Acquired |
| delt.ai | Digital banking for businesses in Latam. | YC Winter 2020 | 26 | Acquired |
| Pay Swifter | Stripe for Cannabis | YC Winter 2020 | 6 | Acquired |
| Verto | Cross-Border Payments and FX Simplified | YC Winter 2019 | 170 | Active |
| Treasury Prime | Embedded banking software platform and marketplace | YC Winter 2018 | 100 | Active |
| Long Term Stock Exchange | LTSE is an ecosystem for visionary business. | YC Summer 2017 | 68 | Active |
| Levro | Multicurrency account & international payments for businesses | YC Summer 2021 | 12 | Active |
| IRBC | AI-native financial institution for global businesses + agents. | YC Spring 2025 | 3 | Active |
It depends on your size. Finantier is the closest match on what Prospa actually does. If you need something more established, sort the table by team size — larger teams generally mean more support and a longer track record. If budget is the constraint, the earlier-batch companies are usually the ones still competing on price.
Prospa is still operating, so switching is a choice rather than a forced migration. Compare on fit and price rather than urgency.
Every company here is Y Combinator-backed and was matched to Prospa on what it actually does — its own description of its product — rather than on a broad category label. Batch, team size and operating status come from the YC directory and are shown as-is. We do not rank by payment.
Looking to save on Fintech tools? Browse our vetted lifetime SaaS deals from verified vendors.
Built by LemStudio
Loading interactive view…